Search found 463 matches

by yogesh
Sun Apr 26, 2020 1:13 pm
Forum: Investing - Theory, News & General
Topic: The One-Fund Portfolio as a default suggestion
Replies: 320
Views: 48847

Re: The One-Fund Portfolio as a default suggestion

Depends how you read it; it's single allocation fund. Due to high tax bracket I can't keep taxable bonds in taxable. This assumes that taxable bonds have the same before-taxes risks and returns as tax-exempt bonds. This assumption doesn't hold in real life. There's a lot of uncertainty about the "b...
by yogesh
Sun Apr 26, 2020 12:48 pm
Forum: Investing - Theory, News & General
Topic: The One-Fund Portfolio as a default suggestion
Replies: 320
Views: 48847

Re: The One-Fund Portfolio as a default suggestion

How do you plan to change your asset allocation in taxable once you near retirement? i.e how will you dodge the capital gains hit There are some people who prefer a fixed asset allocation all lifelong, who would choose an appropriate Vanguard LifeStrategy fund or iShares Core Allocation ETF. They p...
by yogesh
Sun Apr 26, 2020 12:42 pm
Forum: Investing - Theory, News & General
Topic: The One-Fund Portfolio as a default suggestion
Replies: 320
Views: 48847

Re: The One-Fund Portfolio as a default suggestion

How do you plan to change your asset allocation in taxable once you near retirement? i.e how will you dodge the capital gains hit There are some people who prefer a fixed asset allocation all lifelong, who would choose an appropriate Vanguard LifeStrategy fund or iShares Core Allocation ETF. They p...
by yogesh
Wed Apr 22, 2020 12:00 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 2667
Views: 213548

Re: Refinance Mega Thread

Would everyone mind stating with the interest rate, LTV, etc. whether their loan is jumbo? I'm not finding rates anywhere close to 3% or under for variable jumbo loans so I suspect most of these great refinancing offers are for conforming loans? Sure. 2.5% 15 year fixed with $600 in closing costs w...
by yogesh
Mon Apr 13, 2020 12:23 am
Forum: Investing - Theory, News & General
Topic: The One-Fund Portfolio as a default suggestion
Replies: 320
Views: 48847

Re: The One-Fund Portfolio as a default suggestion

My strategy of target funds in 401k, vtwax (ie total world) in everything else has been working behaviorally pretty good for me in this currently volatile time. There are no levers for me to pull. I started something like this but more money in taxable started to make it more risky. Hence improvise...
by yogesh
Mon Apr 13, 2020 12:00 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 2667
Views: 213548

Re: Refinance Mega Thread

I would love to refinance at <2.50%/15-yr-fixed/zero-closing or <3.00%/30-yr-fixed/zero-closing if available at northpointe or elsewhere.
Currently at 3.25%/30-yr-fixed/3-years-into so not bad to begin with.

May I request quoting APRs for clear comparisons?
by yogesh
Tue Mar 24, 2020 10:57 pm
Forum: Personal Consumer Issues
Topic: Beard Trimmer / Tips
Replies: 18
Views: 1123

Re: Beard Trimmer / Tips

wahl aqua [cordless and wet/dry] I got that for beard trimming but ended up using the zero trim everyday and totally skipping the shaving altogether. Zero trim gets very close to 1-day old shave without much effort, irritation and time. Ample battery life; hasn't been an issue at all. Last week I us...
by yogesh
Fri Mar 20, 2020 6:47 pm
Forum: Investing - Theory, News & General
Topic: How many funds do you have in your portfolio?
Replies: 167
Views: 12109

Re: How many funds do you have in your portfolio?

2
In signature; both auto-rebalance and zero maintenance.
VFORX (401k)
VTMFX (Taxable)
by yogesh
Sat Feb 29, 2020 6:43 pm
Forum: Investing - Theory, News & General
Topic: Why so much buying/rebalancing going on?
Replies: 100
Views: 6288

Re: Why so much buying/rebalancing going on?

My portfolio got rebalanced automatically so haven’t noticed much than total return for year/day showing a drop (still positive).

Target date / balanced fund is saving me emotional mistakes of tinkering funds from signature.
by yogesh
Sat Feb 15, 2020 6:32 pm
Forum: Personal Investments
Topic: $100K Cash/5-10 Yr Investment Horizon--Crash?
Replies: 9
Views: 1441

Re: $100K Cash/5-10 Yr Investment Horizon--Crash?

+1 for 3 fund portfolio X % Stocks (70% US, 30% International) and (100-X %) Bonds X = Number of years to Invest * 5 Interesting rule of thumb, do you have a source for that? thanks Sorry I made that up. Use https://investor.vanguard.com/mutual-funds/lifestrategy/#/ to guide you. or https://investo...
by yogesh
Fri Feb 14, 2020 9:00 pm
Forum: Personal Investments
Topic: $100K Cash/5-10 Yr Investment Horizon--Crash?
Replies: 9
Views: 1441

Re: $100K Cash/5-10 Yr Investment Horizon--Crash?

+1 for 3 fund portfolio
X % Stocks (70% US, 30% International) and (100-X %) Bonds
X = Number of years to Invest * 5
by yogesh
Mon Feb 03, 2020 2:07 am
Forum: Investing - Theory, News & General
Topic: The One-Fund Portfolio as a default suggestion
Replies: 320
Views: 48847

Re: The One-Fund Portfolio as a default suggestion

I would have loved holding LifeStrategy Growth in taxable only if it was tax efficient holding munis than taxable bonds. I am in 35% tax brackets so taxable bonds in taxable account isn’t really efficient. So I have resorted to similar one fund portfolio: Taxable: VTMFX (50% US Stocks, 50% Muni) 40...
by yogesh
Sat Jan 18, 2020 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1615
Views: 225242

Re: Fidelity as a one stop shop

I've noted the later postings at Fidelity as well. I believe that some of the delay can be a weekend effect depending on the calendar. Past months I've gotten emails from Chase, Citi, and others that they've "received" my payment. I recall that those postings at Fidelity would not show up there unt...
by yogesh
Sat Jan 18, 2020 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1615
Views: 225242

Re: Fidelity as a one stop shop

CMA + Credit + Brokerage + IRA/HSA/401K + 529 at Fidelity with 2FA/Lockdown is good consolidation. Just ensure that you don't fall for those actively managed >1% ER funds but invest in Fidelity zero, index, target date index funds.
by yogesh
Sat Jan 18, 2020 9:10 pm
Forum: Personal Investments
Topic: Where do you keep your Emergency Funds? How is it invested?
Replies: 139
Views: 11756

Re: Where do you keep your Emergency Funds? How is it invested?

3 months expenses in FDIC cash
Rest all invested per AA <signature>
by yogesh
Sat Jan 18, 2020 2:11 pm
Forum: Personal Investments
Topic: Emergency Fund In Taxable Account?
Replies: 34
Views: 5416

Re: Emergency Fund In Taxable Account?

You would get range of responses:
FDIC Cash
FDIC CD
I/EE Bonds
Short/Limited Bond/Muni
Intermediate Bond/Muni
VTMFX
VTSAX/VTIAX
by yogesh
Sun Jan 12, 2020 1:41 am
Forum: Investing - Theory, News & General
Topic: Bill Sharpe World Stock/Bond portfolio, who holds it?
Replies: 27
Views: 1456

Re: Bill Sharpe World Stock/Bond portfolio, who holds it?

Isn't target retirement funds close to this already with Total US Stocks + Total International Stocks + Total US Bonds + Total International Bonds?
by yogesh
Tue Jan 07, 2020 6:41 pm
Forum: Personal Investments
Topic: What was Your 2019 Personal Advisor Results?
Replies: 21
Views: 2248

Re: What was Your 2019 Personal Advisor Results?

22%
AA: ~70/30
2019-Return:18%, Portfolio:37% Taxable: VTMFX (ER: 0.09)
2019-Return:24%, Portfolio:63% 401K: TR2040 (ER: 0.09)
Total-Return = (18 * 0.37) + (24 * 0.63) = (6.66 + 15.12) = 22%
by yogesh
Sun Jan 05, 2020 3:33 pm
Forum: Investing - Theory, News & General
Topic: 100% total stock index funds until I retire?
Replies: 72
Views: 7635

Re: 100% total stock index funds until I retire?

Given 1/3/5/10 year returns show positive there is more than normal 100% US Equity threads popping out. This seems fine as long as folks are comfortable handling 50%+ haircut with long recovery periods. Balanced 60/40 or 70/30 seems to weather storms bit better.
by yogesh
Sat Jan 04, 2020 11:08 am
Forum: Investing - Theory, News & General
Topic: Mortgage payoff in VTI
Replies: 76
Views: 6268

Re: Mortgage payoff in VTI

When I posted this question I got answer to do both.
So every year I put half in VTMFX and half in mortgage.
Due to strong bull of this decade I didn’t feel like I missed market returns while also reducing principal on mortgage.
by yogesh
Fri Jan 03, 2020 12:19 am
Forum: Personal Investments
Topic: Fidelity zero expense funds
Replies: 10
Views: 1282

Re: Fidelity zero expense funds

It represents the market and its free. I personally would never invest in ETF's because I appreciate the exact dollar investment, automatic investments, no decisions on time of day to buy or sell, bid/ask, or premium/discount concerns. Another benefit is that mutual funds tend to reduce behavioral ...
by yogesh
Wed Jan 01, 2020 12:08 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3074
Views: 536612

Re: What are you up YTD? [Year To Date]

Bluce wrote:
Wed Jan 01, 2020 11:52 am
32/68 AA, portfolio gain for 2019 was +13.58%.

Beardstown: +14.79.

My PF made about three times what I made working in 2019 -- although it was a slower than normal year, work-wise.
Wow! Power of saving, equities and compounding.
by yogesh
Tue Dec 31, 2019 11:05 am
Forum: Personal Finance (Not Investing)
Topic: How much were you able to save this year?
Replies: 142
Views: 10998

Re: How much were you able to save this year?

40% Save: PreTax/PostTax 401K, 529, ESPP, Taxable 35% Spend: Kids Tuition, Mortgage, Shopping, Food, Bills 25% Taxes: Federal, Social Security, Medicare, Property I like this format (percentages reported of gross pay + match) 56.1% Save: 401a, TSP, 457, Roth, HSA, home downpayment, taxable 15.9% Sp...
by yogesh
Tue Dec 31, 2019 10:31 am
Forum: Personal Finance (Not Investing)
Topic: How much were you able to save this year?
Replies: 142
Views: 10998

Re: How much were you able to save this year?

40% Save: PreTax/PostTax 401K, 529, ESPP, Taxable
35% Spend: Kids Tuition, Mortgage, Shopping, Food, Bills
25% Taxes: Federal, Social Security, Medicare, Property
by yogesh
Tue Dec 31, 2019 1:30 am
Forum: Personal Finance (Not Investing)
Topic: How much were you able to spend this year?
Replies: 53
Views: 2882

Re: How much were you able to spend this year?

Sticker shock this year.
40% Save: PreTax/PostTax 401K, 529, ESPP, Taxable
35% Spend: Kids Tuition, Mortgage, Shopping, Food, Bills
25% Taxes: Federal, Social Security, Medicare, Property
by yogesh
Sun Dec 29, 2019 7:57 pm
Forum: Personal Investments
Topic: Is there any way to setup automatic investing with ETF's?
Replies: 26
Views: 1881

Re: Is there any way to setup automatic investing with ETF's?

I am writing a IFTTT recipe for performing ETF trades based on core account balance change. :-)
Till then you can use M1 finance, Acorn, Stash, Stockpile, Robhinhood, Schwab (soon) to perform automated fractional ETF purchases.
by yogesh
Sat Dec 28, 2019 10:51 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 1118
Views: 113168

Re: Jack Bogle - Two Fund Portfolio

I like the idea of a single balanced fund but if a significant portion of your portfolio is taxable I would think twice about it. Balanced funds are not particularly tax efficient and reduce flexibility. Flexibility is very important because individual situations and tax policy change over time. VT...
by yogesh
Sat Dec 28, 2019 7:16 pm
Forum: Personal Consumer Issues
Topic: Best holiday gift you gave this year
Replies: 40
Views: 3354

Re: Best holiday gift you gave this year

runner3081 wrote:
Fri Dec 27, 2019 8:55 am
Some stupid LOL Surprise thing. It hasn't left my daughter's hands!
Ditto
by yogesh
Fri Dec 27, 2019 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: Setting up my 16 year old son for financial success
Replies: 62
Views: 4655

Re: Setting up my 16 year old son for financial success

Generational change so look for millennial startups like Acorns, Stash, M1Finance which do automatic checking -> saving -> invest (index). For example: - Put all money in one account - X% goes to saving, Y% goes to invest, Z% goes to spend - Saving gets to a short/medium goal - Invest gets into one ...
by yogesh
Thu Dec 26, 2019 10:53 am
Forum: Investing - Theory, News & General
Topic: Vanguard Lowers Expense Ratios on 56 Funds
Replies: 73
Views: 7721

Re: Vanguard Lowers Expense Ratios on 56 Funds

When all major brokerages add fractional ETF trading; we should see a major shift from index mutual funds to etfs.
Fractional shares, fixed eod pricing, no fuss about limit/market order, automatic investments make index mutual funds very desirable.
by yogesh
Wed Dec 25, 2019 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: 529 Investing - NY (Newborn)
Replies: 3
Views: 376

Re: 529 Investing - NY (Newborn)

Hi! My wife and I just recently had a baby (he's 3.5 months), and we are trying to start to save for college. I've read a lot of threads on Bogleheads and think the most popular opinion, and one I feel comfortable trying to do, is save up to a state school tuition, room and board in the 529. I am c...
by yogesh
Wed Dec 25, 2019 3:22 pm
Forum: Investing - Theory, News & General
Topic: Why not choose a total market single-fund portfolio?
Replies: 60
Views: 5428

Re: Why not choose a total market single-fund portfolio?

OPs graphs show returns but doesn't take into account risk/standard deviation.
e.g. 50% Stocks + 50 Long Treasuries did give better risk adjusted returns than 100% US stocks.
by yogesh
Wed Dec 25, 2019 12:59 pm
Forum: Investing - Theory, News & General
Topic: The One-Fund Portfolio as a default suggestion
Replies: 320
Views: 48847

Re: The One-Fund Portfolio as a default suggestion

I would have loved holding LifeStrategy Growth in taxable only if it was tax efficient holding munis than taxable bonds. I am in 35% tax brackets so taxable bonds in taxable account isn’t really efficient. So I have resorted to similar one fund portfolio: Taxable: VTMFX (50% US Stocks, 50% Muni) 401...
by yogesh
Tue Dec 24, 2019 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: Cash - Throw it all on the table!!!
Replies: 226
Views: 43434

Re: Cash - Throw it all on the table!!!

In signature FDIC cash 6 month expenses, collects paychecks and pays off bills/credit cards automatically. Plan for hit by a bus situation. Goal was that heirs should be able to continue life as-is without looking at portfolio for 6 months in case of unforeseen circumstances. We did bit of role play...
by yogesh
Tue Dec 24, 2019 10:03 pm
Forum: Personal Investments
Topic: 29 year old financial picture - any portfolio guidance?
Replies: 8
Views: 883

Re: 29 year old financial picture - any portfolio guidance?

Simplify and consolidate at low cost brokerage like Fidelity, Vanguard or Schwab.
Put VTI/VXUS in taxable and TargetDateRetirement funds in 401K/IRA
by yogesh
Tue Dec 24, 2019 5:57 pm
Forum: Personal Investments
Topic: ESPP or Mega Back Door Roth?
Replies: 26
Views: 1462

Re: ESPP or Mega Back Door Roth?

AfterTax 401K -> mega backdoor -> Roth 401K -> Tax free
Need access to money ESPP -> 90% Annualized -> Index
Or do bit of both!
by yogesh
Mon Dec 23, 2019 11:06 pm
Forum: Personal Investments
Topic: Aftertax 401(k) - Do you have it? If so, do you do it?
Replies: 27
Views: 1993

Re: Aftertax 401(k) - Do you have it? If so, do you do it?

Have it and use it to max limits 401K PreTax + Employer Match + 401K AfterTax (Auto-converted to Roth).
by yogesh
Mon Dec 23, 2019 8:42 pm
Forum: Personal Investments
Topic: Stupidly put Fidelity Zero in taxable - now what?
Replies: 32
Views: 4272

Re: Stupidly put Fidelity Zero in taxable - now what?

  • New money: Buy VTI, VXUS, VTEB ETFs at Fidelity commission free
  • Existing money: Turn off dividend/capital gains on Fidelity Zero funds
Tax efficiency of zero funds is around .45; not bad

Image

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by yogesh
Mon Dec 23, 2019 2:21 am
Forum: Personal Investments
Topic: Stupidly put Fidelity Zero in taxable - now what?
Replies: 32
Views: 4272

Re: Stupidly put Fidelity Zero in taxable - now what?

New money: Buy VTI, VXUS, VTEB at Fidelity
Turn off dividend/capital gains on Fidelity Zero funds

Tax efficiency of zero funds is around .45; not bad
by yogesh
Sat Dec 21, 2019 2:38 pm
Forum: Personal Investments
Topic: Questions about VTSX
Replies: 19
Views: 739

Re: Questions about VTSX

OP if you are just starting out and want simplicity of just adding more money; you have chosen the right fund to do it.
Just do routine investments in VTSAX (Total US) or VTWAX (Total World).
by yogesh
Fri Dec 20, 2019 2:19 pm
Forum: Personal Investments
Topic: For those who have emergency fund in stocks and bonds. What’s your allocation?
Replies: 46
Views: 1822

Re: For those who have emergency fund in stocks and bonds. What’s your allocation?

My emergency fund is in cash and money market funds to cover a year worth expenses in emergencies like job loss, medical, natural disaster etc.
Everything else goes in the market with 120-Age AA.
by yogesh
Wed Dec 18, 2019 11:34 pm
Forum: Investing - Theory, News & General
Topic: The One-Fund Portfolio as a default suggestion
Replies: 320
Views: 48847

Re: The One-Fund Portfolio as a default suggestion

...But, the idea remains the same. If you unexpectedly passed away early, do you really want to burden your spouse with a big portfolio change? My personal answer to this question was "no", so I made the transition and I let my wife manage her own accounts (quite simple with a One-Fund Portfolio) s...
by yogesh
Wed Dec 18, 2019 3:37 pm
Forum: Personal Investments
Topic: Fidelity Total Intl Index > Vanguard Total Intl Index?
Replies: 14
Views: 1737

Re: Fidelity Total Intl Index > Vanguard Total Intl Index?

okay :-) One holds developed markets and other both developed+emerging markets. FSPSX: The MSCI Europe, Australasia and Far East Index is an unmanaged market capitalization-weighted index designed to represent the performance of developed stock markets outside the United States and Canada. VTIAX: T...
by yogesh
Wed Dec 18, 2019 12:12 am
Forum: Personal Investments
Topic: Fidelity Total Intl Index > Vanguard Total Intl Index?
Replies: 14
Views: 1737

Re: Fidelity Total Intl Index > Vanguard Total Intl Index?

okay :-) One holds developed markets and other both developed+emerging markets. FSPSX: The MSCI Europe, Australasia and Far East Index is an unmanaged market capitalization-weighted index designed to represent the performance of developed stock markets outside the United States and Canada. VTIAX: Th...
by yogesh
Wed Dec 18, 2019 12:03 am
Forum: Personal Investments
Topic: Fidelity Total Intl Index > Vanguard Total Intl Index?
Replies: 14
Views: 1737

Re: Fidelity Total Intl Index > Vanguard Total Intl Index?

Active fund company with few index funds as loss leaders to attract new customers with the hope of them buying other expensive funds.
Passive fund company with several index funds which are owned by customers and expense ratio goes down as AUM increases.